ING Employee Benefits offers a broad array of voluntary insurance products that are affordable, flexible, and portable. Employees are able to choose from different coverage options and a variety of riders, and most are able to keep their coverage if they leave their employment.

Our Universal Life Insurance products provide insurance protection with adjustable premiums, tax-deferred cash-value accumulation* (according to current tax laws), and partial withdrawal privileges. Our Whole Life Insurance products provide a fixed death benefit to meet long-term insurance needs. It includes fixed level premiums and cash value accumulation. Our Disability Income Insurance product provides partial income protection to assist employees in meeting financial obligations in the event of an extended illness or injury. Our Accident insurance product provides defined benefits for services and conditions resulting from a covered accident. We offer Critical Illness Insurance, a limited benefit policy which provides a one-time benefit when a covered individual is diagnosed with a covered specified disease.

*Universal life insurance builds cash value, which accumulates at the current non-guaranteed interest rate. Changes in the current non-guaranteed interest rate, current cost of insurance rates, and current expense charges will affect the cash value. The current non-guaranteed interest rate will never be less than the guaranteed interest rate that is shown in the policy.

Most products and services are provided by ReliaStar Life Insurance Company and ReliaStar Life Insurance Company of New York, which are wholly-owned subsidiaries of ING Groep N.V.. ING Groep N.V. is an Amsterdam-based global leader in integrated financial services with banking, insurance and asset management businesses in more than 60 countries. Each insurer is solely responsible for the financial obligations under the policies it issues. Some products are not available in all states.

This communication [and any attachments] is not intended or written to be used, and cannot be used by the recipient or any other person, for the purpose of avoiding any tax penalties that may be imposed on such person, and cannot be used or referred to, in promoting, marketing, or recommending to another party any transactions or matters addressed herein.